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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $804,133 | $215,361+273.4% | $171,082+370.0% | $273,972+193.5% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 4.19% | 25.14%-20.9pp | 32.56%-28.4pp | 41.46%-37.3pp |
| Employer contribution / active EE | $7,206 | $4,967+45.1% | $4,002+80.1% | $4,869+48.0% |
| Participant deferral / active EE | $13,800 | $5,543+148.9% | $4,797+187.7% | $5,287+161.0% |
| Admin fee / account holder | $59,663 | $10,846+450.1% | $8,520+600.3% | $10,133+488.8% |